澳大利亚央行周二宣布，自10月1日起将全面取消借记卡与信用卡支付的消费者附加费，同时分阶段降低商户承担的交换费率。这项改革预计每年可为市场节省约25亿澳元成本。
经过长达一年的审查，澳大利亚储备银行指出，实施逾二十年的附加费体系已偏离设计初衷。该行决定取消指定eftpos、万事达和Visa支付网络的卡类交易附加费。央行在声明中强调："商户普遍对各类卡片统一收取附加费、现行监管框架执行困难以及现金使用量下降，共同削弱了附加费制度的有效性。"
值得关注的是，美国运通因与澳储行签有独立协议，将不受本次规则变更影响。
根据澳储行对3000名澳大利亚消费者的调研，约四分之三受访者认为附加费属于不合理收费应当废止。取消附加费预计每年可为消费者节省16亿澳元支出。同时，交换费率上限措施将使商户年成本降低约9亿澳元，中小型企业将成为最大受益群体。
央行还计划于2026年年中启动公众咨询，评估移动钱包和"先买后付"等本次审查未覆盖的零售支付领域是否需要纳入监管框架。
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